Homeowners Insurance Jacksonville FL

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Florida Homeowners Insurance — Without the Confusion

Owning a home in Florida comes with a lot of responsibility — especially when it comes to insurance. With rising rebuild costs, stricter guidelines, and storm risks on the rise, it’s no wonder Florida homeowners feel overwhelmed.

That’s where we come in.

At Augustyniak Insurance, we help homeowners in Jacksonville, St. Augustine, Orange Park, and throughout Florida get the coverage they need — with clear advice and personal service.

We compare quotes from over 30 top-rated insurance companies, explain what’s covered, and help you make smart decisions that protect your home and your peace of mind.

What’s Actually Covered in a Florida Homeowners Policy?

Most policies in Florida are “HO-3” or “Special Form” — meaning they bundle the following six core protections into one policy:

Coverage A – Dwelling

Pays to rebuild your home if it’s damaged by a covered event (like wind or fire).

• Based on replacement cost, not market or tax value
• Your agent helps estimate the right rebuild amount in today’s market

Coverage B – Other Structures

Covers detached garages, fences, sheds, and gazebos (usually 2%–10% of your dwelling limit).

Coverage C – Personal Property

This coverage protects what’s inside your home: furniture, electronics, clothing, and more.

• Typically 50% of the dwelling limit
• Replacement cost coverage is highly recommended

💡 Tip: Schedule jewelry, art, or collectibles separately to ensure full coverage.

Coverage D – Loss of Use

If you can't live in your home due to a covered loss, this pays for temporary housing and living expenses.

Coverage E – Liability

Helps protect your assets if someone is injured on your property or if you accidentally damage someone else’s property.

✅ We recommend at least $300,000 — or consider an umbrella policy for additional protection.

Coverage F – Medical Payments

Pays small medical bills for guests injured on your property, regardless of fault.

💰 How Much Does Homeowners Insurance Cost in Jacksonville?

The cost of homeowners insurance in Jacksonville can vary widely depending on your home and the coverage you choose. Things like your home’s age, construction type, roof condition, and proximity to the coast all affect your rate. The good news? Many Florida homeowners qualify for discounts — especially if your roof is newer or your home includes wind mitigation features like a hip roof, newer roof, hurricane shutters or impact glass. At Augustyniak Insurance, we shop rates from over 30 top insurers to help you get the best protection at the best value.

Here are some of the main factors that affect your homeowners rate in florida:

• 🏠 Age, size, and construction of your home
• 🌴 Distance from the coast or flood zones
• 🛠️ Roof age and hurricane protection features
• 💵 Your chosen coverage limits and deductibles
• ✅ Available discounts for new homes, updated roofs, and more

Whether You're a First-Time Buyer or Just Ready to Shop Smarter

• Compare quotes from trusted names like Tower Hill, AAA, Progressive, and more
• Understand exactly what your policy covers — and what it doesn’t
• Prevent gaps in coverage and avoid overpaying
• Get guidance tailored to your home, lifestyle, and budget

At Augustyniak Insurance, we shop your rate with over 30 carriers to get you the best value for your protection.

📞 Call 904-268-3106

Related Topics for Florida Homeowners

• How Much Home Insurance Do I Need in Florida?
• Top 25 Largest Florida Homeowners Insurance Companies
• Do You Need Flood Insurance in Florida?
• Optional Coverages for Florida Homeowners

Talk to a Florida Insurance Expert Who Gets It

We’ve helped thousands of Floridians protect what matters most — from beachside condos to historic bungalows.

📞 Call 904-268-3106 or Request Your Free Quote